# Explainer.NG — Full Reference

> Explainer.NG is an AI-powered platform that breaks down complex topics for Nigerians into clear, practical guidance. All tools are free to use.

## Nigeria Personal Income Tax Calculator
URL: https://explainer.ng/tax-calculator
Calculate your personal income tax under the Nigeria Tax Act (NTA) 2025. Features:
- Tax-free threshold: First ₦800,000 of annual income is tax-free
- Progressive tax brackets: 15% (₦800K–₦2.8M), 18% (₦2.8M–₦5.8M), 21% (₦5.8M–₦16.8M), 23% (₦16.8M–₦50M), 25% (above ₦50M)
- Rent Relief: Up to ₦500,000 or 20% of annual rent (replaces old CRA)
- Pension & NHF deductions calculated automatically
- Capital gains now taxed at progressive income tax rates under NTA 2025
- Covers PAYE for employees and self-assessment for freelancers

## Nigeria Business Tax Explainer
URL: https://explainer.ng/business-tax-explainer
Understand business taxes for Nigerian SMEs and corporations:
- Company Income Tax (CIT): 0% for small companies (≤₦25M turnover), 20% for medium (₦25M–₦100M), 30% for large (>₦100M)
- VAT: 7.5% on goods and services
- PAYE: Employer obligations for employee tax
- Withholding Tax (WHT): Rates for different payment types
- Education Tax: 2.5% of assessable profits for companies >₦100M turnover

## Visa Requirements for Nigerians
URL: https://explainer.ng/visa-requirements
Check visa requirements for Nigerian passport holders to any country:
- Visa-free countries for Nigerians (ECOWAS, Kenya, Rwanda, etc.)
- Visa-on-arrival destinations
- E-visa countries (Turkey, UAE, India)
- Embassy visa requirements (USA, UK, Canada, Schengen)
- Required documents, bank statement estimates, processing times
- Common rejection reasons and how to avoid them

## CAC Business Registration
URL: https://explainer.ng/cac-registration
Guide to registering with Corporate Affairs Commission (CAC):
- Business Name registration: ₦15,000–₦25,000, 1–3 days
- LTD/LLC registration: ₦50,000–₦100,000, 7–14 days
- Required documents for each type
- Post-registration requirements (TIN, bank account, etc.)

## Nigerian Land & Property Explainer
URL: https://explainer.ng/land-property-explainer
Understand Nigerian land ownership and avoid scams:
- Certificate of Occupancy (C of O) explained
- Deed of Assignment and Governor's Consent
- Land verification process
- Common land scams and how to avoid Omo-onile fraud
- Steps to safely buy property in Nigeria

## Scam Detector
URL: https://explainer.ng/scamguard-nigeria
Detect scams and understand Nigerian fraud laws:
- Paste any suspicious message for AI scam analysis
- Cybercrimes Act 2015 penalties (7–20 years imprisonment)
- How to report fraud to EFCC and police
- Common scam types: romance, investment, crypto, job offers
- Money mule laws: receiving stolen funds is a crime

## Admission Chance Calculator
URL: https://explainer.ng/admission-calculator
Calculate Nigerian university admission probability:
- JAMB score analysis against cutoff marks
- Post-UTME score weighting
- Catchment area and ELDS quota impact
- University-specific admission patterns

## Nigerian Salary Calculator
URL: https://explainer.ng/salary-calculator
Compare salaries across 40+ Nigerian job roles:
- By experience: entry (0–2 yrs), mid (3–5 yrs), senior (6+ yrs)
- By location: Lagos, Abuja, Port Harcourt, Ibadan, Kano, others
- Industries: tech, banking, healthcare, engineering, oil & gas, legal
- Highest paying: Investment Banking, Petroleum Engineering, AI/ML, Blockchain

## SoP Review Tool
URL: https://explainer.ng/sop-review
AI reviewer for Statements of Purpose for US graduate admissions:
- Assesses clarity, structure, program relevance
- Top 3–5 improvement suggestions
- Supports MS, PhD, MBA applications
- Upload .txt or .docx files

## LOR Review Tool
URL: https://explainer.ng/lor-review
AI reviewer for Letters of Recommendation:
- Evaluates specificity, impact, credibility
- Suggests improvements for stronger recommendations
- Supports graduate school applications

## CV Review Tool
URL: https://explainer.ng/cv-review
AI-powered CV/resume feedback for job applications.

## Invoice Generator
URL: https://explainer.ng/invoice-generator
Create professional invoices for Nigerian businesses and freelancers.

## Resignation Letter Generator
URL: https://explainer.ng/resignation-letter
Generate professional resignation letters for Nigerian workplaces.

## Bride Price Calculator
URL: https://explainer.ng/bride-price-calculator
Estimate traditional marriage bride price by state, tribe, and education level. Covers Yoruba (owo ori), Igbo (ime ego), Hausa (sadaki), and other cultures.

## US Travel Ban Explainer
URL: https://explainer.ng/us-travel-ban
How US immigration policies affect Nigerian travelers.